Pay your bills, track your spending by category, set savings goals, and more with Virtual Wallet online tools. Explore money management tools »
Virtual Wallet is made up of Spend (your primary checking account), Reserve (for short-term savings) and high-yield Growth (for long-term savings) accounts.
If you want the resources you need to help you keep track of your money.
If you make at least 5 qualifying purchases in a month with your Virtual Wallet Debit Card or included PNC credit card included in your Virtual Wallet or set up a qualifying monthly direct deposit of at least $500 for Virtual Wallet, or 2,000 ($1,000 for Workplace) for Virtual Wallet with Performance Spend or $5,000 for Virtual Wallet with Performance Select, you'll earn the high yield rate (relationship rate) on your Growth account for the following month.
A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.
Offers are available from participating merchants. Your personal banking information is not shared with the merchants participating in PNC Purchase Payback. Whether you receive offers may depend on using your PNC Visa Card, or where you use your PNC Visa card to make purchases. Not everyone will get the same offer.
Proof of active enrollment in an educational institution is required to receive a monthly service charge waiver. This waiver will expire 6 years after it is assigned to your account.
PNC Purchase Payback is a registered mark of The PNC Financial Services Group.
PNC SmartAccess and SmartAccess are registered trademarks of The PNC Financial Services Group, Inc.
Visa is a registered trademark of Visa International Service Association and used under license.
Bank deposit products and services provided by PNC Bank. Member FDIC